Product insurance premium calculation method and device based on configuration, equipment and medium

Abstract

The invention relates to the technical field of artificial intelligence, and discloses a configuration-based product premium calculation method, which comprises the following steps: obtaining product premium information, and carrying out abstract grouping on the product premium information to obtain product attribute information; performing field alignment on the product attribute information to obtain target field information, and generating a product configuration file according to the target field information; performing interface field filling on a preset program interface according to the product configuration file to obtain an insurance premium calculation interface; when the premium calculation interface receives a product premium calculation request, calling a product configuration file to determine calculation configuration information; and generating an insurance premium calculation script according to the calculation configuration information, and calculating the product insurance premium of the product insurance premium calculation request by using the insurance premium calculation script. The invention further provides a configuration-based product insurance premium calculation device, computer equipment and a storage medium. According to the invention, the product insurance premium calculation efficiency can be improved.

Description

Technical Field

[0001] The present invention relates to the field of artificial intelligence technology, and in particular to a configuration-based product premium calculation method, device, equipment and medium. Background Art

[0002] In the insurance industry, accurate premium calculation plays a core role in insurance business. For insurance companies, accurate premium calculation helps to ensure the continuity and stability of the company's revenue. For policyholders, reasonable premium calculation ensures that the amount they pay matches the value of the insurance service they purchase, avoiding the problem of over-pricing or under-pricing. At the same time, accurate premium calculation also helps policyholders to plan their finances more effectively and achieve a balance between insurance needs and financial goals.

[0003] However, the product premium calculation of insurance devices is complex and changeable, and the rate factors of each product are different, resulting in poor scalability of premium calculation in the industry's existing technologies. Each new product often requires operations such as front-end page modification, back-end code modification, and database field changes, which greatly increases the cost of releasing a new product and reduces the timeliness of new product releases. Therefore, how to improve the efficiency of product premium calculation has become an urgent problem to be solved. Summary of the invention

[0004] The present invention provides a configuration-based product premium calculation method, device, equipment and medium, the main purpose of which is to solve the problem of poor efficiency of existing product premium calculation.

[0005] To achieve the above object, the present invention provides a configuration-based product premium calculation method, comprising:

[0006] Acquire product premium information, abstractly group the product premium information, and obtain product attribute information;

[0007] Performing field alignment on the product attribute information to obtain target field information, and generating a product configuration file according to the target field information;

[0008] Filling the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface;

[0009] When the premium calculation interface receives a product premium calculation request, calling the product configuration file to determine calculation configuration information;

[0010] A premium calculation script is generated according to the calculation configuration information, and the premium calculation script is used to calculate the product premium of the product premium calculation request.

[0011] Optionally, abstractly grouping the product premium information to obtain product attribute information includes:

[0012] Extracting a product attribute set for each product in the product premium information;

[0013] Classifying the product attribute set to obtain a product general attribute set, a product specific attribute set, and a product extended attribute set in the product premium information;

[0014] The product common attribute set, the product specific attribute set and the product extended attribute set are collected to obtain product attribute information.

[0015] Optionally, the classifying the product attribute set to obtain the product general attribute set, product specific attribute set and product extended attribute set in the product premium information includes:

[0016] Performing semantic analysis on each product attribute in the product attribute set to obtain attribute semantic features;

[0017] Classifying each of the product attributes according to the attribute semantic features to obtain a product attribute category;

[0018] Generate a product general attribute set, a product specific attribute set and a product extended attribute according to the product attribute category.

[0019] Optionally, generating a product configuration file according to the target field information includes:

[0020] Determine configuration file information according to the product attributes in the target field information;

[0021] Acquire a configuration file template according to the configuration file information;

[0022] The configuration file information is used to render the configuration file template to obtain a product configuration file.

[0023] Optionally, filling interface fields of a preset program interface according to the product configuration file to obtain a premium calculation interface includes:

[0024] Performing a simulated data request on the program interface to obtain simulated request data;

[0025] Performing data matching between the simulated request data and the configuration file to obtain configuration fields;

[0026] The configuration fields are filled with default values ​​according to the configuration file to obtain a premium calculation interface.

[0027] Optionally, calling the product configuration file to determine the computing configuration information includes:

[0028] Parsing the product premium calculation request to obtain requested product attributes;

[0029] matching requested attribute information in the product configuration file using the requested product attribute;

[0030] The calculation configuration information is determined according to the request attribute information.

[0031] Optionally, generating a premium calculation script according to the calculation configuration information includes:

[0032] Obtaining a preset premium calculation rule, and determining a configuration calculation rule of the calculation configuration information according to the premium calculation rule;

[0033] Generate premium calculation text according to the configuration calculation rules;

[0034] The premium calculation file is compiled into code to obtain a premium calculation script.

[0035] In order to solve the above problems, the present invention further provides a product premium calculation device based on configuration, the device comprising:

[0036] An abstract grouping module is used to obtain product premium information, abstractly group the product premium information, and obtain product attribute information;

[0037] A product configuration file generation module, used to perform field alignment on the product attribute information to obtain target field information, and generate a product configuration file according to the target field information;

[0038] An interface field filling module is used to fill the interface fields of a preset program interface according to the product configuration file to obtain a premium calculation interface;

[0039] A configuration information calculation module, configured to call the product configuration file to determine calculation configuration information when the premium calculation interface receives a product premium calculation request;

[0040] The product premium calculation module is used to generate a premium calculation script according to the calculation configuration information, and use the premium calculation script to calculate the product premium of the product premium calculation request.

[0041] In order to solve the above problem, the present invention further provides a computer device, the computer device comprising:

[0042] at least one processor;

[0043] and, a memory communicatively coupled to the at least one processor;

[0044] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the above-mentioned configuration-based product premium calculation method.

[0045] In order to solve the above problems, the present invention also provides a computer-readable storage medium, in which at least one computer program is stored. The at least one computer program is executed by a processor in a computer device to implement the above-mentioned configuration-based product premium calculation method.

[0046] The embodiment of the present invention can classify the attributes of each insurance product by abstractly grouping the product premium information, so as to facilitate the subsequent flexible configuration according to the product attributes; align the fields of the product attribute information to obtain the target field information, generate the product configuration file according to the target field information, and configure the product attribute information through the product configuration file to improve the flexibility of product premium calculation; fill the interface fields of the preset program interface according to the product configuration file to ensure the integrity and consistency of the data; when receiving a product premium calculation request, call the product configuration file to determine the calculation configuration information, generate the premium calculation script according to the calculation configuration information, and use the premium calculation script to calculate the product premium, which can automatically calculate the premium of the new insurance product without the need to write the front-end and back-end code, effectively improving the efficiency of premium calculation. Therefore, the interactive method, device, computer equipment and computer-readable storage medium based on the configuration-based product premium calculation method proposed by the present invention can solve the problem of poor efficiency of existing premium calculation. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] Figure 1 A schematic diagram of a flow chart of a configuration-based product premium calculation method provided in one embodiment of the present invention;

[0048] Figure 2 A schematic diagram of a process for generating a product configuration file according to target field information provided by an embodiment of the present invention;

[0049] Figure 3 A schematic diagram of a flow chart of filling interface fields of a preset program interface according to a product configuration file provided in an embodiment of the present invention;

[0050] Figure 4 A functional module diagram of a configuration-based product premium calculation device provided in one embodiment of the present invention;

[0051] Figure 5 is a schematic diagram of a structure of a computer device in one embodiment of the present invention;

[0052] Figure 6It is another structural schematic diagram of a computer device in one embodiment of the present invention.

[0053] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0054] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0055] The embodiment of the present application provides a method for calculating product premiums based on configuration. The execution subject of the method for calculating product premiums based on configuration includes but is not limited to at least one of the computer devices such as a server and a terminal that can be configured to execute the method provided by the embodiment of the present application. In other words, the method for calculating product premiums based on configuration can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc. The server can be an independent server, or it can be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and big data and artificial intelligence platforms.

[0056] Reference Figure 1 FIG. 1 is a flow chart of a configuration-based product premium calculation method provided in an embodiment of the present invention. In this embodiment, the configuration-based product premium calculation method includes:

[0057] S1. Obtain product premium information, abstractly group the product premium information, and obtain product attribute information.

[0058] In an embodiment of the present invention, product premium information is product information of each insurance product in the enterprise insurance device, for example, product attributes, rate factors and other information of each insurance product. The attributes of each insurance product and attributes such as rate factors can be abstractly grouped through abstract grouping.

[0059] Among them, abstract grouping is to organize objects, concepts or data items with certain common characteristics or attributes into logically consistent sets or categories. For example, an embodiment of the present invention can group common attributes, unique attributes, extended attributes and other attributes in product premium information through abstract grouping to obtain product attribute information contained in the product premium information.

[0060] In the embodiment of the present invention, the abstract grouping of the product premium information to obtain product attribute information includes:

[0061] Extracting a set of product attributes for each product in the product premium information;

[0062] Classifying the product attribute set to obtain a product general attribute set, a product specific attribute set, and a product extended attribute set in the product premium information;

[0063] The product common attribute set, the product specific attribute set and the product extended attribute set are collected to obtain product attribute information.

[0064] In an embodiment of the present invention, the different attributes of insurance products in the product attribute set, for example, common product attributes commonly existing in multiple products, such as insurance period, premium and other product attributes; specific product attributes that are specific to certain insurance products and are used to distinguish the product from other products, such as specific disease insurance, investment-linked insurance, etc.; and product extension attributes of additional features or services added to basic insurance products, such as supplementary insurance, customized services, etc., can be obtained by classifying product premiums. Specifically, the product attribute set of each product can be extracted from the product premium information according to a preset attribute field set. For example, attribute fields such as insurance period, premium, specific disease insurance, etc. are field matched in the product premium information to obtain the product attributes of each product.

[0065] Furthermore, the product attribute set is classified to obtain a product general attribute set, a product specific attribute set and a product extended attribute set in the product premium information, including:

[0066] Performing semantic analysis on each product attribute in the product attribute set to obtain attribute semantic features;

[0067] Classifying each of the product attributes according to the attribute semantic features to obtain a product attribute category;

[0068] Generate a product general attribute set, a product specific attribute set and a product extended attribute according to the product attribute category.

[0069] In the embodiment of the present invention, product attributes are various elements that constitute the characteristics of insurance products. Product attributes can clarify the function, value and applicability of insurance products. Furthermore, the semantic features of product attributes include the meaning and use of each product attribute. Therefore, the category of each product attribute can be determined by semantic features. For example, if it is a ubiquitous attribute, it is a product-general attribute. If it is a product attribute used to distinguish insurance products, it is a product-specific attribute, thereby obtaining a product-general attribute set, a product-specific attribute set and a product-extension attribute. Among them, the attribute semantic features can be calculated based on the pre-built Transformer model.

[0070] In the embodiment of the present invention, by abstractly grouping product premium information, the attributes of each insurance product in the insurance device can be classified, so as to facilitate subsequent flexible configuration according to the product attributes.

[0071] S2. Perform field alignment on the product attribute information to obtain target field information, and generate a product configuration file according to the target field information.

[0072] In the embodiment of the present invention, field alignment is to keep the product attributes displayed on the front-end interface consistent with the product attribute data stored in the back-end database. Field alignment can ensure the consistency of field names, data types and structures between the front-end and back-end, improve the efficiency of function iteration, and further improve the efficiency of premium calculation.

[0073] In the embodiment of the present invention, the step of performing field alignment on the product attribute information to obtain target field information includes:

[0074] Obtaining a preset front-end information form, and performing data type conversion on the product attribute information according to the front-end information form to obtain a type conversion field;

[0075] The type conversion field is mapped to the front-end and back-end fields to obtain target field information.

[0076] In an embodiment of the present invention, the front-end field information form is the field required for premium calculation in the user design interface in the enterprise insurance, for example, the fields corresponding to product attributes, insurance period, premium, etc. The product attribute information that needs to be aligned can be determined through the front-end information form.

[0077] Among them, data type matching is to convert the product attribute information into a consistent data type with the data type in the front-end information form. For example, the policy date is a date selector on the front end and should be of DATE type on the back end. Front-end and back-end field mapping is to create a mapping table to clarify the relationship between the front-end information form and the product attribute information, ensuring naming consistency between the front-end and back-end.

[0078] In the embodiment of the present invention, field alignment can be used to determine the data consistency between the front-end and back-end, improve the accuracy of data exchange between the front-end and back-end, reduce errors caused by data inconsistency, and effectively improve the efficiency of product premium calculation.

[0079] In the embodiment of the present invention, the product configuration file is a file used to store software or device settings, and the product configuration file includes parameters and options for initializing or adjusting premium calculation.

[0080] In the embodiment of the present invention, refer to Figure 2 As shown, generating a product configuration file according to the target field information includes:

[0081] S21, determining configuration file information according to the product attributes in the target field information;

[0082] S22, obtaining a configuration file template according to the configuration file information;

[0083] S23: Render the configuration file template using the configuration file information to obtain a product configuration file.

[0084] In an embodiment of the present invention, the configuration file information is the parameters and options that can initialize and adjust the premium calculation, that is, the product attributes and the attribute values ​​corresponding to each product attribute, for example, the insurance period, the date of the insurance period, the premium and the specific amount of the premium, etc. The configuration file template corresponding to the configuration file information can be obtained in the pre-built template library through the configuration file information.

[0085] In an embodiment of the present invention, data rendering is to assign configuration file information to a template position corresponding to a configuration file template to obtain a product configuration file, wherein the product configuration file is stored in a pre-built database after completion to facilitate subsequent flexible configuration and calling of program interfaces.

[0086] Preferably, for the special attributes of new insurance products, the product configuration information is expanded and written, and relevant calculation scripts are generated, so that similar products can be launched online later, with high scalability.

[0087] In the embodiment of the present invention, product attribute information can be configured and written through the product configuration file, thereby improving the flexibility of product premium calculation.

[0088] S3. Filling the interface fields of the preset program interface according to the product configuration file to obtain a premium calculation interface.

[0089] In an embodiment of the present invention, the preset program interface is a data interface for calculating product premiums, and interface field filling ensures that each field in the request and response data structure of the program interface is assigned an appropriate value or a default value to ensure data integrity and consistency.

[0090] In the embodiment of the present invention, refer to Figure 3 As shown, the interface fields of the preset program interface are filled according to the product configuration file to obtain the premium calculation interface, including:

[0091] S31, performing a simulated data request on the program interface to obtain simulated request data;

[0092] S32, performing data matching between the simulation request data and the configuration file to obtain configuration fields;

[0093] S33. Fill the configuration fields with default values ​​according to the configuration file to obtain a premium calculation interface.

[0094] In an embodiment of the present invention, a simulated data request is initiated to the program interface to obtain the simulated request data returned by the program interface, and it is traversed to see whether there are fields corresponding to the simulated request data in the configuration file. If so, it means that the program interface contains the corresponding data field. If not, it means that the field is not required, and the default value corresponding to the field in the configuration file is used to fill in the configuration field to obtain a premium calculation interface, wherein the default value can be pre-set.

[0095] In detail, the product configuration file may include security parameters such as user ID, token, timestamp, signature, and data parameters required for business logic. For example, the configuration fields are filled in the request. For GET requests of the program interface, the configuration fields are usually appended to the URL; for POST requests, the configuration fields can be placed in the request body as form data or JSON objects, which can provide the required input parameters for specific functions or methods in the program interface, providing a basis for the subsequent calculation of product premiums.

[0096] S4. When the premium calculation interface receives a product premium calculation request, the product configuration file is called to determine calculation configuration information.

[0097] In an embodiment of the present invention, a product premium calculation request is a premium calculation request initiated by a new insurance product launched by an enterprise insurance device. A product configuration file is called in a database through a premium calculation interface. The product attributes corresponding to the product premium calculation request can be determined through the product configuration file, and then the data in the premium calculation process can be determined.

[0098] In the embodiment of the present invention, the calculation configuration information is data required in the process of calculating product premiums, such as information such as product attributes and rate factors, and the calculation configuration information provides a basis for calculating product premiums.

[0099] In the embodiment of the present invention, the calling of the product configuration file to determine the computing configuration information includes:

[0100] Parsing the product premium calculation request to obtain requested product attributes;

[0101] matching requested attribute information in the product configuration file using the requested product attribute;

[0102] The calculation configuration information is determined according to the request attribute information.

[0103] In an embodiment of the present invention, a pre-built parsing tool can be used to parse a product premium calculation request to obtain product attributes in an insurance product corresponding to the product premium calculation request, and obtain requested product attributes, such as common attributes, unique attributes, and extended attributes in the requested product attributes. The requested product attributes are matched with the corresponding product attributes in the product configuration file to obtain matching request attribute information required for premium calculation, such as calculation rules and rate factors corresponding to each product attribute, and the matching request attribute information is collected to obtain calculation configuration information.

[0104] In detail, the requested attribute information required for product premium calculation can be obtained through the product configuration file. For example, the requested product attributes include common attributes such as product name, model, size, color, weight, material, price, brand, manufacturer information, etc., unique attributes such as patented technology, special design elements, unique functions or performance indicators, and extended attributes such as product compatibility, scalability, customization options, warranty service, user support, etc. By matching the configuration information during premium calculation in the product configuration file with the requested product attributes, the product premium can be automatically configured to improve the efficiency of premium calculation.

[0105] S5. Generate a premium calculation script according to the calculation configuration information, and use the premium calculation script to calculate the product premium of the product premium calculation request.

[0106] In the embodiment of the present invention, the premium calculation script is a code written in a programming language, which can perform automated calculation tasks. The premium calculation can automatically calculate the premium of a new insurance product, thereby improving the efficiency of the premium calculation.

[0107] In the embodiment of the present invention, the step of generating a premium calculation script according to the calculation configuration information includes:

[0108] Obtaining a preset premium calculation rule, and determining a configuration calculation rule of the calculation configuration information according to the premium calculation rule;

[0109] Generate premium calculation text according to the configuration calculation rules;

[0110] The premium calculation file is compiled into code to obtain a premium calculation script.

[0111] In an embodiment of the present invention, the premium calculation rule is a method of calculating the premium, including a calculation formula for the premium, possible additional value in the premium, etc. The premium calculation rule can be used to clarify how to calculate the premium of a product based on the attributes of the product. For example, different product categories may have different calculation methods and rate factors, resulting in different premium results. Therefore, the configuration calculation rules for calculating the configuration information can be determined according to preset rules.

[0112] In the embodiment of the present invention, the premium calculation text is an algorithm or logic flow for completing the calculation task. The premium calculation text can be generated using different computer programming languages, and then a program script can be written using the premium calculation text to obtain a premium calculation script to achieve the calculation of the premium.

[0113] In the embodiment of the present invention, the premium calculation function can be implemented through the premium calculation script, that is, by inputting the data value corresponding to each product attribute in the product premium calculation request, the product premium can be automatically calculated, thereby improving the efficiency of the premium calculation.

[0114] Preferably, when an insurance product is launched, it is only necessary to generate a calculation script based on the product configuration file, without the need to write front-end and back-end codes. This is highly flexible and can effectively improve the efficiency of premium calculation.

[0115] like Figure 4 1 is a functional module diagram of a configurable product premium calculation device provided in one embodiment of the present invention.

[0116] The configuration-based product premium calculation device 100 of the present invention can be installed in a computer device. According to the functions implemented, the configuration-based product premium calculation device 100 can include an abstract grouping module 101, a product configuration file generation module 102, an interface field filling module 103, a configuration information calculation module 104 and a product premium calculation module 105. The module of the present invention can also be called a unit, which refers to a series of computer program segments that can be executed by a processor of a computer device and can complete fixed functions, which are stored in the memory of the computer device.

[0117] In this embodiment, the functions of each module / unit are as follows:

[0118] The abstract grouping module 101 is used to obtain product premium information, abstractly group the product premium information, and obtain product attribute information;

[0119] The product configuration file generating module 102 is used to perform field alignment on the product attribute information to obtain target field information, and generate a product configuration file according to the target field information;

[0120] The interface field filling module 103 is used to fill the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface;

[0121] The configuration information calculation module 104 is used to call the product configuration file to determine the calculation configuration information when the premium calculation interface receives a product premium calculation request;

[0122] The product premium calculation module 105 is used to generate a premium calculation script according to the calculation configuration information, and use the premium calculation script to calculate the product premium of the product premium calculation request.

[0123] In detail, each module described in the configuration-based product premium calculation device 100 in the embodiment of the present invention is used in the same manner as described above. Figures 1 to 3 The technical means are the same as the configuration-based product premium calculation method described in, and can produce the same technical effects, so I will not go into details here.

[0124] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 5 As shown. The computer device includes a processor, a memory, a network interface and a database connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client via a network connection. When the computer program is executed by the processor, it implements a function or step on the service side of a product premium calculation method based on configuration.

[0125] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Figure 6 As shown. The computer device includes a processor, a memory, a network interface, a display screen and an input device connected through a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server through a network connection. When the computer program is executed by the processor, it implements a function or step on the client side of a product premium calculation method based on configuration

[0126] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

[0127] Acquire product premium information, abstractly group the product premium information, and obtain product attribute information;

[0128] Performing field alignment on the product attribute information to obtain target field information, and generating a product configuration file according to the target field information;

[0129] Filling the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface;

[0130] When the premium calculation interface receives a product premium calculation request, calling the product configuration file to determine calculation configuration information;

[0131] A premium calculation script is generated according to the calculation configuration information, and the premium calculation script is used to calculate the product premium of the product premium calculation request.

[0132] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0133] Acquire product premium information, abstractly group the product premium information, and obtain product attribute information;

[0134] Performing field alignment on the product attribute information to obtain target field information, and generating a product configuration file according to the target field information;

[0135] Filling the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface;

[0136] When the premium calculation interface receives a product premium calculation request, calling the product configuration file to determine calculation configuration information;

[0137] A premium calculation script is generated according to the calculation configuration information, and the premium calculation script is used to calculate the product premium of the product premium calculation request.

[0138] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can refer to the relevant descriptions on the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0139] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0140] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0141] If software tools or components not owned by the patent applicant appear in the embodiments of the present application, they are merely used to illustrate that a wide range of software tools or components can be selected during the actual implementation of the technical solution disclosed in the present application, and do not mean that the patent applicant actually used these example software tools or components; the above-mentioned embodiments are only used to illustrate the technical solution of the present invention, rather than to limit it; although the present invention has been described in detail with reference to the aforementioned embodiments, ordinary technicians in this field should understand that they can still modify the technical solutions recorded in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein; and these modifications or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A configuration-based product premium calculation method, characterized in that: The method comprises: Acquire product premium information, abstractly group the product premium information, and obtain product attribute information; Performing field alignment on the product attribute information to obtain target field information, and generating a product configuration file according to the target field information; Filling the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface; When the premium calculation interface receives a product premium calculation request, calling the product configuration file to determine calculation configuration information; A premium calculation script is generated according to the calculation configuration information, and the premium calculation script is used to calculate the product premium of the product premium calculation request.

2. The configuration-based product premium calculation method according to claim 1, characterized in that: The abstract grouping of the product premium information to obtain product attribute information includes: Extracting a product attribute set for each product in the product premium information; Classifying the product attribute set to obtain a product general attribute set, a product specific attribute set, and a product extended attribute set in the product premium information; The product common attribute set, the product specific attribute set and the product extended attribute set are collected to obtain product attribute information.

3. The configuration-based product premium calculation method according to claim 2, characterized in that: The classifying of the product attribute set to obtain a product general attribute set, a product specific attribute set and a product extended attribute set in the product premium information includes: Performing semantic analysis on each product attribute in the product attribute set to obtain attribute semantic features; Classifying each of the product attributes according to the attribute semantic features to obtain a product attribute category; Generate a product general attribute set, a product specific attribute set and a product extended attribute according to the product attribute category.

4. The configuration-based product premium calculation method according to claim 1, characterized in that: The generating a product configuration file according to the target field information includes: Determine configuration file information according to the product attributes in the target field information; Acquire a configuration file template according to the configuration file information; The configuration file information is used to render the configuration file template to obtain a product configuration file.

5. The configuration-based product premium calculation method according to claim 1, characterized in that: The step of filling the interface fields of the preset program interface according to the product configuration file to obtain the premium calculation interface includes: Performing a simulated data request on the program interface to obtain simulated request data; Performing data matching between the simulated request data and the configuration file to obtain configuration fields; The configuration fields are filled with default values ​​according to the configuration file to obtain a premium calculation interface.

6. The configuration-based product premium calculation method according to claim 1, characterized in that: The calling of the product configuration file to determine the computing configuration information includes: Parsing the product premium calculation request to obtain requested product attributes; matching requested attribute information in the product configuration file using the requested product attribute; The calculation configuration information is determined according to the request attribute information.

7. The configuration-based product premium calculation method according to claim 1, characterized in that: Generating a premium calculation script according to the calculation configuration information includes: Obtaining a preset premium calculation rule, and determining a configuration calculation rule of the calculation configuration information according to the premium calculation rule; Generate premium calculation text according to the configuration calculation rules; The premium calculation file is compiled into code to obtain a premium calculation script.

8. A configuration-based product premium calculation device, characterized in that: The device comprises: An abstract grouping module is used to obtain product premium information, abstractly group the product premium information, and obtain product attribute information; A product configuration file generation module, used to perform field alignment on the product attribute information to obtain target field information, and generate a product configuration file according to the target field information; An interface field filling module is used to fill the interface fields of a preset program interface according to the product configuration file to obtain a premium calculation interface; A configuration information calculation module, configured to call the product configuration file to determine calculation configuration information when the premium calculation interface receives a product premium calculation request; The product premium calculation module is used to generate a premium calculation script according to the calculation configuration information, and use the premium calculation script to calculate the product premium of the product premium calculation request.

9. A computer device, characterized in that: The computer device comprises: at least one processor; and, a memory communicatively coupled to the at least one processor; Wherein, the memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the configuration-based product premium calculation method as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the configuration-based product premium calculation method as described in any one of claims 1 to 7 is implemented.

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